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Online Banking
Current Rates
Effective as of October 1,2025
Deposit Accounts
Account | Rate | Minimum to Open | APY |
Simply NOW Checking | 0.01% | $25.00 | 0.01% |
Simply Statement Savings | 0.05% | $25.00 | 0.05% |
Simply Interest Business | 0.01% | $25.00 | 0.01% |
Business Statement Savings | 0.05% | $25.00 | 0.05% |
Christmas Club | 0.05% | $1.00 | 0.05% |
APY = Annual Percentage Yield
Your interest rate and annual percentage yield may change at any time. Fees could reduce the earnings on the account.
CDs & IRAs
Term | Rate | Minimum to Open | APY |
91 Day | 0.05% | $1,000.00 | 0.05% |
182 Day (6 Month) | 0.07% | $1,000.00 | 0.07% |
270 Day (9 Month) | 3.25% | $1,000.00 | 3.25% |
12 Month | 3.25% | $1,000.00 | 3.30% |
15 Month | 3.25% | $1,000.00 | 3.30% |
16 Month | 3.25% | $1,000.00 | 3.30% |
18 Month | 0.15% | $1,000.00 | 0.15% |
20 Month | 0.20% | $1,000.00 | 0.20% |
24 Month | 3.00% | $1,000.00 | 3.04% |
27 Month | 0.20% | $1,000.00 | 0.20% |
30 Month | 0.25% | $1,000.00 | 0.25% |
36 Month | 3.00% | $1,000.00 | 3.04% |
Specials: |
18 Month IRA Variable | .15% | $1,000.00 | .15% |
APY = Annual Percentage Yield
For the variable rate IRA, your interest rate and annual percentage yield may change at any time. For any CD or IRA, a penalty may be imposed for early withdrawal.
Compounding & Credit Frequency:
CD’s & IRA’s less than 12 month term– Interest will not be compounded. Interest will be credited to your account at maturity.
CD’s & IRA’s with 12 month term or longer or Variable Rate IRA– Interest will be compounded every day. Interest will be credited to your account quarterly.
